Kapitus is a small-business financing company that offers business loans, revenue-based financing, lines of credit, equipment financing and SBA loans, from $5,000 up to $5 million, through itself and a financing network. Its published minimums are 2 years in business and a 650 credit score for most products, higher than the 6-month minimums some short-term funders publish. In July 2026 Kapitus was acquired by an affiliate of InterVest Capital Partners, and it says it will continue to operate independently. It suits established businesses that want to compare several offers from one application.
This review is part of the SMB Compass lender reviews series. SMB Compass is a financing broker, not a lender: we help owners compare offers from a panel of lending partners. The figures below come from Kapitus’s own website and the acquisition press release, checked on September 21, 2026.
Kapitus ownership: the 2026 acquisition
On July 27, 2026, Kapitus announced that it “has been acquired by an affiliate of InterVest capital partners,” according to the press release on PR Newswire. The release says “Kapitus will continue operating independently, as it has for the past 20 years, working directly with small businesses nationwide.” It describes Kapitus as founded in 2006, having provided $10 billion in growth capital to more than 65,000 small businesses.
For borrowers, the practical point is that Kapitus still takes applications under its own brand. The release does not say whether products, pricing or underwriting will change. If you are comparing a Kapitus offer now, rely on the terms in your agreement, not on older reviews.
Kapitus at a glance
| Product | Amount | Term | Pricing (as Kapitus quotes it) | Published minimums | Speed |
|---|---|---|---|---|---|
| Business loans | Up to $5 million | 6 to 24 months; daily, weekly or monthly payments | Not published; set in underwriting | 2 years in business, $250K annual revenue, 650 credit score | Approval in as little as 4 hours; funds in as little as one day |
| Revenue-based financing | Up to $5 million | 6 to 24 months | Factor rate (example: 1.15); “no APR” | 2 years, $250K annual revenue, 650 credit score | Approval in as little as 4 hours; funds in as little as 24 hours |
| Line of credit | Up to $750,000 | 12 to 36 months | Not published; interest on drawn funds only | 2 years, $180K annual revenue, 650 FICO | Approval in as little as 4 hours; active line in as little as 24 hours |
| Equipment financing | $20,000 minimum; “No Maximum” | Up to 72 months | Interest rates “Starting at 7.5%” | 2 years, 660 FICO | Approval in as little as 24 hours |
| SBA loans (via partner lenders) | Up to $5 million | Up to 25 years | Negotiated with the lender within SBA maximums | 680 personal credit score (Kapitus’s stated minimum) | Express loans about 14 days on average; 7(a) about 3 to 6 months |
Kapitus also lists purchase order financing, invoice factoring and Helix healthcare financing.
Who provides the money: Kapitus’s disclosure says “Business loan offers come through Kapitus and/or members of our financing network” and “Loans may be funded by WebBank. The specific lender will be identified in your agreement.” For SBA loans, Kapitus says the loan “is facilitated through partnering lenders, such as banks, credit unions, or other financial institutions.” So depending on the product, your lender could be Kapitus, WebBank or another network member. Check the agreement.
How Kapitus works
Kapitus says you can “receive up to six competing offers with one simple application.” That makes it part direct funder and part marketplace. The benefit is choice; the trade-off is that terms and pricing may differ depending on which member of the network funds you. For another marketplace-style option, see our Lendio review.
Business loans
Kapitus’s business loans go up to $5 million with repayment of 6 to 24 months, paid daily, weekly or monthly. Asked about early repayment penalties, Kapitus answers “No,” and it says “some larger loans may require collateral.” Rates are “determined after careful consideration through our underwriting processes.” Compare this with other business term loans.
Revenue-based financing
With revenue-based financing, payments are “based on a percentage of your business’s revenue,” with “no interest,” “no set monthly payments,” and “no APR.” Kapitus prices it with a factor rate and gives an example: $45,000 at a 1.15 factor means repaying $51,750. See our guide to revenue-based financing.
Line of credit
Kapitus’s line of credit goes up to $750,000 with 12- to 36-month terms, and you pay interest only on what you draw. Its revenue minimum is lower than for its loans: $180,000 a year. See our business line of credit page.
Equipment financing
Kapitus’s equipment financing lists “Interest Rates: Starting at 7.5%,” terms that “can go out as far as 72 months,” and says “100% of the equipment cost can be financed,” with “no down payments for qualified buyers.” The minimum is $20,000. “For financing up to $500,000, qualified borrowers can enjoy a simple application-only submission process.” Compare it with other equipment financing options.
SBA loans
Kapitus arranges SBA loans through partner lenders. Its SBA page lists loans up to $5 million with terms up to 25 years, says “Express Loans take, on average, 14 days” and standard 7(a) loans average “3–6 months.” Kapitus states a 680 minimum credit score and a 10% minimum down payment; those are Kapitus’s own figures, and individual SBA lenders may set different requirements. The SBA itself caps most 7(a) loans at $5 million, according to the SBA.
What Kapitus costs
Kapitus publishes one rate floor: equipment financing interest rates “Starting at 7.5%.” For business loans and lines of credit it says rates are set in underwriting, and it does not publish a range. Revenue-based financing uses a factor rate, not an APR; its 1.15 example is an illustration, not a quote.
Because terms on loans and revenue-based financing run from 6 to 24 months, a factor rate can translate into a high APR. Our explainer on factor rates vs APR shows how to compare. Ask for every fee in writing, including origination fees, which Kapitus does not list on its product pages.
Who qualifies
Kapitus’s published minimums:
- Business loans and revenue-based financing: “2+ Years” in business, “$250K” annual revenue, “650” credit score, located in the USA
- Line of credit: 2+ years, $180K annual revenue, 650+ FICO
- Equipment financing: 2 years in business, 660 FICO
- SBA loans (through partners): 680 personal credit score
For a business loan, Kapitus says “At minimum you should have 3-6 months-worth of your business bank statements ready to upload.” It also says business loans “will typically have some type of impact on your score, either through a hard credit pull and/or regular reporting to credit agencies.”
How fast is Kapitus?
Kapitus says approval can come in “as little as 4 hours” on loans, revenue-based financing and lines of credit, with funds in as little as one day. Equipment approvals can take “as little as 24 Hours.” SBA loans take longer: about 14 days on average for Express and 3 to 6 months for standard 7(a), by Kapitus’s figures.
Pros and cons
Pros:
- Wide product range, from revenue-based financing to equipment and SBA loans
- Large amounts: up to $5 million on loans and revenue-based financing, no stated maximum on equipment
- Up to six competing offers from one application
- Published equipment rate floor and no early repayment penalties on business loans
- Established company, founded in 2006, according to the acquisition release
Cons:
- Higher minimums than some short-term funders: 2 years in business and 650+ credit
- No published rates for business loans or lines of credit
- Your lender may be Kapitus, WebBank or a network member, so terms vary
- Short 6- to 24-month terms on loans and revenue-based financing
- Ownership changed in July 2026, so older reviews may not reflect current terms
Who Kapitus suits, and who should look elsewhere
Kapitus suits businesses with at least two years of history, $180,000 to $250,000 or more in annual revenue and fair-to-good credit that want to compare several offers, or that need a large amount or equipment financing with no down payment.
Look elsewhere if:
- You have been in business less than 2 years. Fora Financial and Credibly publish 6-month minimums.
- Your credit score is below 650. See our guide to bad credit business loans.
- You want an SBA loan directly from a bank. See our Live Oak Bank review.
- You want a line of credit with fast online draws. Compare the OnDeck and Bluevine reviews.
Pitfalls to avoid
- Assuming Kapitus is your lender. Read the agreement; it may be WebBank or another network member.
- Comparing offers by payment size. Compare total repayment and APR.
- Relying on reviews written before July 2026. Confirm current terms after the ownership change.
- Treating the 1.15 factor rate or 7.5% equipment rate as your price. Both are illustrations or floors.
Frequently asked questions
Who owns Kapitus now?
An affiliate of InterVest Capital Partners acquired Kapitus, according to a press release dated July 27, 2026. Kapitus says it will continue operating independently.
Is Kapitus a direct lender or a marketplace?
Both. Kapitus says offers come “through Kapitus and/or members of our financing network,” and that loans may be funded by WebBank. You can receive up to six competing offers.
What credit score do you need for Kapitus?
Kapitus lists 650 for business loans, revenue-based financing and lines of credit, 660 for equipment financing and 680 for SBA loans.
How fast does Kapitus fund?
Kapitus says approval can come in as little as 4 hours and funding in as little as one day on its loans and lines of credit.
Does Kapitus charge prepayment penalties?
Kapitus says there are no early repayment penalties on its business loans, and “There are no penalties for paying off your equipment debt early.”
Next step
If you are comparing a Kapitus offer, set it next to at least one other offer on total cost and payment frequency. Our lender reviews hub covers other lenders, and the business loans page explains how SMB Compass can help you compare offers from our lending partners.
Sources
- PR Newswire, “InterVest Capital Partners Acquires Kapitus” (July 27, 2026): prnewswire.com
- Kapitus, homepage and disclosures: kapitus.com
- Kapitus, business loans: kapitus.com/products-services/business-loans/
- Kapitus, revenue-based financing: kapitus.com/products-services/revenue-based-financing/
- Kapitus, line of credit: kapitus.com/products-services/line-of-credit/
- Kapitus, equipment financing: kapitus.com/products-services/equipment-financing/
- Kapitus, SBA loans: kapitus.com/products-services/sba-loans/
- U.S. Small Business Administration, 7(a) terms, conditions and eligibility: sba.gov
About this page. Written by Ezra Cabrera, Content Team Lead at SMB Compass. Figures were checked against each lender’s own website on September 21, 2026; lenders change their terms, so confirm current terms before you apply, and let us know if you spot a figure that has changed. SMB Compass is a business financing broker: we don’t lend our own money, and we are paid by the lenders we place loans with. This page is general information, not financial, legal or tax advice.